Walk in Drive at Mphasis Bangalore For US Payment Operations

Dear Aspirants,

We have the walk in drive for Payment Processing US Client ACH / CARD for Bangalore Location.

Spoc- Arunima Rai

Drive date and time : 26th Apr-26, 11:00 AM to 2:30 PM

If you are interested, kindly upload your profile through the link provided below:

https://r.ripplehire.com/s/daYbE

Drive Location:

Bagmane World Technology Centre, WTC 4, 4th Floor, K. R. Puram Marathahalli Ring Road, Doddenekundi, Bangalore 560048

Please carry an updated resume copy (Hard Copy) along with a Photo ID Proof (Aadhar Card)

Candidate should be ok with the night shift and work from office.

Immediate Joiners are preferred

No Tech Graduates BE, B Tech, M Tech

Work Location: Bangalore

Job Summary Payment Analyst US Client ACH / CARD.

Skills and Qualification

• Candidate should have minimum 2 to 5 Years of work experience in Payment Processing preferably within a US Bank, investment adviser, or asset management firm.
• Good understanding NACHA, Fedwire/CHIPS/SWIFT and regulation related to ACH & Cards
• Strong knowledge of ACH processing rules and Card procedures and Dispute Handling
• Expertise payment platforms such as ACH Plus, ACHPS, or equivalent banking portals.
• Proficiency in bank account validation, exception handling, reconciliation, and settlement processes.
• Strong analytical and problem-solving skills for resolving payment failures, variances, and investigations.
• Understanding fraud control mechanisms, OFAC/AML compliance, and risk-mitigation procedures.
• Excellent attention to detail, accuracy, and adherence to internal controls and dual authorization workflows.
• Strong communication skills for interacting with banks, vendors, auditors, and internal stakeholders.
• Ability to operate in high-volume, deadline-driven environments while maintaining accuracy.

Key Deliverables:

• Execute end-to-end payment processing for ACH / CARD processing, ensuring accuracy, compliance, and timely settlement across domestic and international transactions.
• Prepare, validate, and transmit ACH files, or Card transactions through ACH Plus/bank portals with required approval controls.
• Manage beneficiary/payee verification, bank detail validation (routing/IBAN/BIC), and adherence to dual control workflows.
• Monitor and process returns, rejects, and exceptions, including ACH return codes (R01R85), and investigations.
• Process ACH and Card Dispute
• Conduct daily reconciliations of ACH batches resolving breaks with thorough root-cause analysis.
• Maintain cut off time adherence, ensuring timely release of ACH runs, and CARD processing aligned with banking schedules and value dates.
• Generate and maintain daily/weekly/monthly reports including settlement summaries, exception logs, and operational dashboards.
• Ensure compliance with NACHA, Fedwire/CHIPS/SWIFT standards, and internal audit requirements through robust documentation, controls, and process governance.
• Develop and update SOPs, process documentation, and audit artifacts, supporting continuous improvement, internal controls testing, and operational efficiency initiatives.

Technical / Non-Technical Skills:

• Excellent MS Office skills MS Excel, Power Point, Excel Macros and E Mail Drafting
• Good Typing Speed of 28 WPM with >=95% accuracy
• Excellent Communication skills to Review Email, to attend Client Calls, Onshore Training etc

Behavioral Skills:

• Strictly US Shift Working Hours (8.30 PM IST To 5.30 AM IST)
• Should be flexible to do Over Time duty if required.
• Work from Office No Hybrid of WFH
• Should be flexible with the weekly off
• Punctual and adherence to attendance and Leaves
• To report to Team Lead and follow the Instructions and the HR Policies as per Company

Certifications Needed:

• Education: 12 + 3 Degree Education is mandatory B Com, BBA and BBM Graduates preferred, however Candidate with good work experience but with other Specialization can be looked into to some extent Only.
• Additional Certification on Banking and Payment Processing US Regulatory Bodies is an added advantage.